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Start Early

Starting to invest for retirement early in your career gives you more time to contribute and accumulate investment gains.

If retirement seems a long way in the future, it's tempting to delay saving for a number of reasons - waiting until you earn more, paying off student loans, saving for college. Resist that temptation. Here's why.

As the chart shows, starting to save at age 25 rather than 35 results in $280,969 more at retirement at age 65.

It's never too late to start saving for retirement. Some people find they can increase their retirement plan contributions later in their career when their children are through college and their home mortgage is paid off.